Auto Insurance
Colorado law requires minimum liability coverage, but minimum often isn't enough. Ryan helps you find the right balance of protection and value for your vehicle and budget.
- Liability (bodily injury & property damage)
- Collision coverage
- Comprehensive coverage
- Uninsured / underinsured motorist
- Medical payments (MedPay)
- Rental reimbursement
- Roadside assistance
Home Insurance
Your home is likely your largest asset. From hailstorms to liability, Ryan makes sure your coverage reflects what your home is actually worth — not a guess from 5 years ago.
- Dwelling coverage (structure)
- Personal property coverage
- Liability protection
- Loss of use / additional living expenses
- Other structures (fences, sheds, detached garages)
- Water backup coverage
- Extended replacement cost available
Life Insurance
Life insurance is one of the most important financial decisions you'll make. Ryan walks you through term vs. permanent options without the sales pressure — just honest advice.
- Term life (10, 20, 30-year options)
- Whole life insurance
- Universal life insurance
- Final expense coverage
- Mortgage protection
- Business key-person life insurance
- Family income replacement planning
Commercial Insurance
Your business has unique risks. Ryan works with small and mid-size Colorado Springs businesses to find commercial coverage that actually protects your livelihood — without overpaying.
- Business Owner Policy (BOP)
- General liability
- Commercial property
- Commercial auto
- Workers' compensation
- Professional liability (E&O)
- Cyber liability coverage
Umbrella Policy
An umbrella policy provides an extra layer of liability coverage that kicks in when your auto or home policy limits are exhausted. It's one of the best values in insurance — and most people skip it.
- $1M–$5M+ in additional liability coverage
- Covers auto and home liability above policy limits
- Protects assets in lawsuits
- Covers incidents your other policies may miss
- Affordable — often $150–$300/year
- Ideal for homeowners, business owners, and parents
Specialty Coverage
From motorcycles to RVs to rental properties, life doesn't fit neatly into auto and home buckets. Reardon Agency covers the things that make Colorado living worth it.
- Motorcycle insurance
- RV / motorhome coverage
- Boat and watercraft
- Renters insurance
- Condo insurance
- Landlord / rental property
- ATV and off-road vehicle
Sola Wind & Hail Coverage
Colorado hail and wind claims come with steep deductibles — and older roofs get depreciated payouts on top of that. Sola is a standalone policy that sits alongside your home insurance and helps cover that gap. It has no deductible of its own, uses National Weather Service storm data to pay claims (no adjuster needed), and doesn't touch your home insurance premium or claims record. It's not a replacement for your homeowners policy — it's protection for the out-of-pocket costs your homeowners policy leaves behind.
$0 Deductible
Sola's own policy has no deductible — it's built to offset your home policy's wind/hail deductible.
Fast, Simple Payouts
Storm data confirms your claim automatically — no adjuster visits, no waiting weeks for an inspection.
Doesn't Affect Your Home Policy
A Sola claim isn't recorded on your CLUE report and won't raise your home insurance premium.
Reinsured & Secure
Backed by an A-rated reinsurer out of Lloyd's of London.
Check for Damage
After a wind, hail, or tornado event, look for visible damage — leaks, broken windows, or roof damage.
File in Minutes
Log in to the Sola Policyholder Portal (or use the website chatbox) to report the event and upload photos.
Storm Data Verified
Sola confirms the storm using National Weather Service data — no adjuster needed.
Get Paid Fast
Once approved, funds are deposited directly into your bank account.
Sola's Wind/Hail Policy is available in Colorado (and select other states). Coverage is written in an individual's name and is available for site-built homes, mobile/manufactured homes, landlord properties, vacation homes, farms, and vacant homes. Ask Ryan if Sola makes sense alongside your current home policy.
Bundle and Save
Combining your auto and home — or adding an umbrella — can save you 10–25% on your total premium. Ryan will always show you the bundle options so you can decide what makes sense.
Get a Bundle Quote →